5580 Oak Tree Ln, Whitehall, MI 49461 Property Records

Muskegon County property record for 5580 Oak Tree Ln, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,422 sqft · built 1991
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Sep 2020)
Tax Bill	$5,256 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06155000001500`

Property Details

APN / Parcel Number

Primary APN	`06155000001500`
Alternative APN	`61-06-155-000-0015-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,422 sqft Living Area
1st Floor Area	1,764 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	34,848 sqft (0.8 acres)
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	5580 OAK TREE LN
City	WHITEHALL
State	MI
Zip	49461-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHDR
Legal Description	FRUITLAND TOWNSHIP BUTTERFIELD WOODS LOT 15
Legal Range	17W
Legal Township	11N
Legal Section	55
Legal Subdivision	BUTTERFIELD WOODS
Legal Lot Number	15
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	1
Census Block	1004
Census Tract	3701

Owner

5580 Oak Tree Ln is owned and occupied by an individual who bought it in September 2020.

Source: Muskegon County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	5580 OAK TREE LN, WHITEHALL, MI 49461-9651
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Sep 2, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Sep 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 14, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2020 · Amount on File
Deed Sale	Sep 2, 2020 · Amount on File
Deed Document Number	20205697690
Deed Book / Page	4231 / 999
Prior Transfer Date	Sep 5, 2019
Prior Transfer Doc	4200/112
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	5580 OAK TREE LN, WHITEHALL, MI 49461-9651
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004188/218
Date	Apr 23, 2019
Book Page	4188/218
Instrument	5653952

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Sep 2, 2020
Property Address	5580 OAK TREE LN, WHITEHALL, MI 49461-9651
Document Number	004231/999
Book / Page	4231 / 999
Map Reference	LB 22 PG 67
Instrument Date	Aug 31, 2020
Instrument	5697690
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,784.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1198 S LAKE ST, 1198, WHITEHALL, MI 49461-1776

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	603 SCOTT LN, WALLINGFORD, PA 19086-6825

Mortgage

Document Number	0000042321
Date	Sep 2, 2020
Instrument	4232/1

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	Sep 19, 2019
Property Address	5580 OAK TREE LN, WHITEHALL, MI 49461-9651
Document Number	0005665834
Book / Page	004200 / 000112
Instrument Date	Sep 5, 2019
Instrument	5665834
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 OAK TREE LN WHITEHALL MI 494619651, WHITEHALL, MI 49461-9651

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 14, 2019
Property Address	5580 OAK TREE LN, WHITEHALL, MI 49461-9651
Document Number	0005642518
Book / Page	004176 / 000772
Instrument Date	Dec 27, 2018
Instrument	5642518
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5580 OAK TREE LN WHITEHALL MI 494619651, WHITEHALL, MI 49461-9651

Tax Assessment & Valuation

The 2025 property tax bill for 5580 Oak Tree Ln was $5,256 with a homeowner's exemption, down 4.1% from the year before.

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	Fruitland Township
Unified School District	Whitehall School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$286,100 (+19.76%)	$572,200 (+19.76%)
2025	$5,256.00 (-4.09%) Homeowner's exemption	$238,900	$477,800
2024	$5,480.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5580 Oak Tree Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5580 Oak Tree Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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